Your Pocket CFO

Strategic financial guidance for growing small businesses.

Financial consultant (show on map)

5.0

★★★★★

3 reviews

Fractional CFO firm providing strategic financial guidance for small businesses, with deep expertise in construction and the trades. Serving businesses across the United States from Colorado.

Call (720) 989-1342

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About

Your Pocket CFO is a fractional CFO firm that provides strategic financial guidance for small business owners who've outgrown DIY finances but aren't ready for a $200K full-time hire. Founded by Shena White after her accountant embezzled all her payroll tax funds, the firm specializes in construction and the trades (general contractors, plumbing, HVAC, electrical, landscaping) and also serves law firms with IOLTA trust accounting.

The firm translates the language of finance into decisions clients can actually make: pricing, hiring, cash, growth. Services include bookkeeping, fractional CFO, tax preparation, and business advisory. Colorado-based, serving small businesses across the United States.

Built by an owner who learned finance the hard way after accountant embezzlement

Deep specialization in construction and the trades (WIP, retainage, job costing, bonding)

IOLTA trust account reconciliation specialty for law firms

Colorado-based with nationwide reach

Strategic, not transactional approach — tells clients what to do next

Podcast host (Blue Collar Wealth Club) for contractor education

Services

Fractional CFO Services

Strategic financial guidance (cash flow, forecasting, profitability, and growth planning) without the cost of a full-time CFO for growing small businesses.

Cash flow management 13-week forecasting Financial reporting Budgeting Strategic planning Pricing strategy Board reporting

Bookkeeping & Accounting

Clean books that business owners can actually use, with monthly reconciliation, reporting, and categorization done by a team that understands the numbers.

Monthly reconciliation Transaction categorization P&L and balance sheet IOLTA trust accounting Clean-up and catch-up

Tax Preparation

Business and personal tax filing with a year-round planning mindset, not just a once-a-year scramble. Includes entity structure guidance and CPA coordination.

Business tax returns Personal tax returns Year-round tax planning Entity structure guidance Owner comp planning

Business Advisory

Strategic coaching on decisions that move the business: pricing, hiring, capacity, expansion, and exits, grounded in real financial data.

Pricing strategy Hiring planning Growth planning Exit planning Decision sounding board

Reviews

Rating

★★★★★

Reviews

"Shena really knows her stuff!"

Frequently Asked Questions

What does Your Pocket CFO do? +

The firm provides fractional CFO services, bookkeeping, tax preparation, and business advisory for small businesses. The focus is on turning numbers into decisions that grow the business.

Who do you work with? +

Most clients are in construction and the trades (general contractors, plumbing, HVAC, electrical, landscaping). Also serves law firms (especially IOLTA trust accounting) and other small businesses across professional services, med spas, e-commerce, and manufacturing.

What is the firm's approach to fractional CFO? +

The firm translates the language of finance into decisions clients can actually make: pricing, hiring, cash, growth. Most clients are $500K-$10M revenue businesses that have outgrown DIY finances but aren't ready for a $200K full-time hire.

What is WIP reporting and why does it matter? +

WIP (work-in-progress) reporting tracks revenue and cost on projects that are in progress but not yet complete, showing whether a contractor has billed too much or too little relative to what they've actually earned. Lenders and bonding companies ask for it because it tells them whether the balance sheet is actually clean.

How does the firm help construction businesses? +

The firm provides CFO-level work built for project-based businesses including accurate WIP reporting, cash flow forecasting, job-level profitability, bonding package preparation, pricing strategy for bids, and margin defense on change orders.

What is the firm's investment philosophy? +

The approach focuses on controlling what matters most: minimizing costs, staying disciplined, and reducing tax drag. Portfolios are built using low-cost funds and ETFs, and tax efficiency is treated as a core part of how the firm invests, not an afterthought.

Can the firm work with law firms? +

Yes, the firm handles IOLTA trust account reconciliation for law firms with three-way reconciliation, partner comp, realization, and practice-area profitability. This is a specialty most bookkeepers can't handle correctly.